Hesperia Insurance Rates:

Hesperia, CA home insurance is nearly $504 to $681, about $42-$56/month. Our comprehensive analysis reveals consumers can save as much as $237 by getting multiple quotes

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Hesperia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $210/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 2730 sqft Seasonal Residence Constructed In 1994 with Carpet over wood flooring, Tile Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1690 sqft Seasonal Residence Constructed In 1983 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $520/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2090 sqft Rental Property Constructed In 1998 with Wood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1240 sqft Primary Residence Constructed In 2012 with Stone Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1730 sqft Seasonal Residence Constructed In 2008 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Single Female who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1310 sqft Vacation Property Constructed In 1998 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $430/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1650 sqft Rental Property Constructed In 2008 with Carpet over wood flooring, Composition Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Male who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 2230 sqft Vacation Property Constructed In 1981 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1070/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Bath 4870 sqft Primary Residence Constructed In 2007 with Linoleum, Tile Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/6 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1857 sqft Primary Residence Constructed In 1994 with Hardwood Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Hesperia, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92345 $158,700 $600

Hesperia Rates & Quotes Analysis:

Hesperia Area Estimated House Insurance
Coulter Pine Rd, Alston Ave, Capri St, Dominquez Rd, Sawpit Canyon Creek Rd S, Plunge Rd, Seaforth St, Sapphire Ave, Rancho Bernardo St, Blanchard Rd$597
Joseph Ln, Densmar Rd, Sunny Ridge St, Dayton Ave, Tamarack Rd, Winterhawk Way, Wayside Ln, June, Kouries Way, Bern Ln$602
2N49 Forest Svc Rd, Valewood Dr, Northstar Ct, Greentree Ln, Flying Feather Ln, Alder Glen Ct, Rose St, Fallbrook Ct, Modesto Ct, Flora Ct$598
Saint Bernard Ln, Summit Ln, Windsor Ave, Jade St, Autumn Ct, Lachen Rd, Elder Dr, Agave Bay St, Montrose Ave, Lilac Way$617
Yellowstone Access Rd, Los Moras St, Softwind Ct, Robinhood Dr, 3N66 Forest Svc Rd, Canon St, Wildrose Cir, Sawmill Rd, Deercrest Dr, Amanda Way$596
Bascom St, Dragon Tree Dr, Cashew St, Tetley Ln, Calgary Dr, Aberdeen Ct, Woodland Rd, Canyon Vista Dr, Carmine St, Summit Valley Rd$600
Oak View Ct, St Anton Ln, Horsethief Canyon Rd, Bailey Forest Rd/2N49, Mozumdar Dr, Panorama Cir, Saturn Ct, Brookside Rd, Sesame Rd, Tioga St$596
Fern Canyon Rd, Greenway Dr, Wildridge Canyon Rd, Guava Ave, Deborah Pl, Catfish Rd, Laurel Oak Rd, Viola Ct, Gupan Rd, Lane's End Trl$590
Cashew St, Tracy Ave, Yosemite Ave, Hickory Ct, Redding St, Buchanan Ct, Kerrie Way, Ocotillo Ave, Honeyhill Rd, Damon Dr$606
Pitache St, Aspenwood Ln, Itoya Vista Rd, Marshall Rd, Northpark Rd, Lamplighter Rd, Oak Hill Ranch Rd, Nettle St, Michael St, Loma Vista Ct$603

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,276 Homes (18% of total) built between 1970 to 1979 in Hesperia are paying home insurance between $961-$970 and differs from Oak Hills (+$26), Spring Valley Lake (+$20), Lake Arrowhead (+$22), Adelanto (-$15) and Lucerne Valley (-$16).
  • Bedrooms: 5,273 2 bedrooms homes (19% of total homes ) in Hesperia are paying about $178. Areas near to Hesperia such as Oak Hills, Spring Valley Lake, Lytle Creek are costlier by $5, $4, $6 respectively whereas Crestline and Phelan are more economical by $4, $6 respectively for similar homes.
  • Auto Insurance Bundling: 6,881 Households (40% of all households) in Hesperia have 3 or more vehicles available and when it is bundled with home insurance you can save $148 compared to Oak Hills ($152), Mountain View Acres ($146), Spring Valley Lake ($151).
  • Senior Discounts: 7,399 seniors (more than 55 years) occupied housing units (43% of total) in Hesperia get discounts between $88 to $90. The comparative concessions in proximate regions such as Oak Hills, Mountain View Acres and Spring Valley Lake are $91, $88 and $90 respectively.
  • New Homes discounts: New homes such as the 11,623 homes built between 2000 to 2009 in Hesperia can save $118 and differs from Oak Hills ($121), Mountain View Acres ($117), Spring Valley Lake ($121).

Hesperia Homeowners insurance Facts

  • Hesperia, CA has 16,917 owner occupied houses which is 65.9% of all units whereas Oak Hills, Mountain View Acres and Spring Valley Lake have 87.86%, 76.58% and 74.91% respectively.
  • Hesperia, CA homeowners yearly insurance price at $593 is 0.37% of the typical house value of $158,800 which is in contrast with 0.23% in Oak Hills, 0.49% at Mountain View Acres & 0.25% in Spring Valley Lake.
  • Homeowners in Hesperia, CA pay 2.16% of their income ($25,000 to $29,999) in insurance whereas homeowners in Oak Hills, Mountain View Acres and Spring Valley Lake pay 2.21%, 2.13% and 2.2% respectively.
  • Hesperia, CA’s insurance is 3.2% of monthly housing costs of $1,560/month, for owners with a mortgage compared to 2.49% in Oak Hills, 4.91% at Mountain View Acres & 2.73% in Spring Valley Lake. But, for households without a mortgage, insurance is 14.2% of costs ($349 in Hesperia, CA) in contrast with 8.7% in Oak Hills, 19.57% at Mountain View Acres & 12.0% in Spring Valley Lake.

Hesperia, CA Home Values & Insurance rates

For example, insurance for 1,195 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in Hesperia, CA is about $699. Rates in nearby areas in such as Oak Hills, Spring Valley Lake, Lake Arrowhead are cheaper by $267, $228, $238 respectively while Mountain View Acres and Victorville are costlier by $222 and $45 respectively for similar homes.

Hesperia, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,096 6.0% $88
$50,000 to $59,999 262 1.0% $195
$60,000 to $69,999 265 1.0% $237
$70,000 to $79,999 409 2.0% $278
$80,000 to $89,999 493 3.0% $314
$90,000 to $99,999 882 5.0% $349
$100,000 to $124,999 2,264 14.0% $409
$125,000 to $149,999 1,898 11.0% $509
$150,000 to $174,999 2,530 15.0% $604
$175,000 to $199,999 1,195 7.0% $699
$200,000 to $249,999 2,039 12.0% $842
$250,000 to $299,999 1,282 7.0% $1025
$300,000 to $399,999 1,514 9.0% $1304

Renters Insurance in Hesperia

  • Average Renters Insurance in Hesperia :  $215($17/month)

  • Median Gross Rent in Hesperia :  $1,040

  • Hesperia Renters Insurance to Median Rent Ratio:  1.63%

  • Average household size of renter-occupied unit :  3.75

Hesperia Renters Insurance as a Percentage of Rent

Hesperia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 119 1.0% $803
$300 to $499 200 2.0% $1253
$500 to $749 1,072 12.0% $1928
$750 to $999 2,445 29.0% $2678
$1,000 to $1,499 2,897 34.0% $3803
$1,500 or more 1,520 18.0% $5453

Rent Affordability in Hesperia:

Approximately 59.0% (5,173) of households are spending more than 35% of their income on gross rent in Hesperia

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 491 5.0%
15.0 to 19.9 percent 608 6.0%
20.0 to 24.9 percent 856 9.0%
25.0 to 29.9 percent 945 10.0%
30.0 to 34.9 percent 670 7.0%
35.0 percent or more 5,173 59.0%

Hesperia Renters Insurance Discounts:

Hesperia Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Hesperia, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,779 43.0% $21.5
2 vehicles available 2,960 33.0% $32.25
3 or more vehicles available 1,323 15.0% $43.0

Protective device discount in Hesperia Up to :  $32

Claims-free discount in Hesperia Up to :  $43